I'm not sure what kind of health insurance to get?

Is it usually best to get health insurance from your employer even if you make low wages? I'm covered under Minnesota Care, health insurance plan offered in MN for people who don't make that much money. Now that I am turning 21 and I make a dollar more an hour (7.80/hr), they are claiming that they need to charge me an additional 50 dollars a month for very limited health coverage since I am not considered a child any longer. I am planning to talk to another representative Monday to make sure the woman that I was talking to was correct about this, but if it is true I do not want health coverage with them if I can't get basic dental coverage. Is it best to apply for insurance offered by my employer or to look into different health options offered by the gov/state for people that make limited income? Thanks.

I'm not sure what kind of health insurance to get?
You don't say how much you'll be paying to Minnesota Care, but I'll hazard a guess it's not much by the standards of what you'd pay for an individual policy.





So, that leaves the employer option. However, you may not be able to get coverage at work just because you want to. Were you offered health insurance as a benefit when you joined? Even if there's a health plan at work and you qualify, you'll most likely have to wait until what's known as the "open enrollment" period to get onto the plan if you initially declined it. The open enrollment period is a 30 day window at some time during the year (and there's no way to say when that 30 day window might be, you'll have to ask HR) during which you can elect or change benefit plans for any reason at all. To get added to the group plan otherwise, you have to have what's known as a "qualifying event" as defined by the group plan and there are very few events on that list. (And from memory, I don't believe your current situation would be viewed as a "qualified event.)





Go talk to your HR rep, because it's all in the details where these things are concerned.
Reply:You can always check into insurance costs with your employer and compare them. Problem is, there is usually a limited enrollment period with a group plan, you may need to wait until open enrollment to get coverage.
Reply:It usually is cheaper to be covered for health insurance through your employer, rather than getting an individual plan yourself.





But if you're young, extremely healthy, have a decent amount of money in an emergency slush fund, and want to save some serious money, you may want to consider buying a high deductible plan outside your employer. None of your basic check-ups and run-of-the-mill medical would be covered. But if you suddenly took a turn for the worse, very expensive medical bills would be covered, saving you from possible serious financial problems.
Reply:I went to www.sebsoc.com a friend told me about it


I was able to apply online and it was really easy, and then like 3 days later I got a call saying, you were approved, it was pretty sweet and easy.


Like 3 months later, i had a question about my plan and i just called to see where i can get the info and they were really nice